If that's the case, it's not that crazy or unusual. While you used to be able to pay to upgrade your service panel, if everyone on the same block or segment of the grid all wants the higher service panel then it will require upgrades to the existing electrical lines and sub stations.
It makes a lot of sense to limit installing larger service panels to customers who will actual use it rather than haphazardly over provision the grid. But you can still easily charge an EV at 50A on a standard 150A or even 100A panel.
How can they do that? Could you just say you want to install an electric dryer in your garage (or even buy a used one off of CraigsList and literally do it for a week)?
[1] https://www.sfchronicle.com/bayarea/article/home-pge-electri...